41.39 USD
+0.32 (+0.78%)
Taking everything into account, NMIH scores 5 out of 10 in our fundamental rating. NMIH was compared to 99 industry peers in the Financial Services industry. While NMIH belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on NMIH.
1. Profitability
1.1 Basic Checks
NMIH had positive earnings in the past year.
In the past year NMIH had a positive cash flow from operations.
NMIH had positive earnings in each of the past 5 years.
In the past 5 years NMIH always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 10.22%, NMIH belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
NMIH has a Return On Equity of 15.14%. This is amongst the best in the industry. NMIH outperforms 81.82% of its industry peers.
NMIH's Return On Invested Capital of 11.10% is amongst the best of the industry. NMIH outperforms 86.87% of its industry peers.
NMIH had an Average Return On Invested Capital over the past 3 years of 12.44%. This is above the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.22% | ||
| ROE | 15.14% | ||
| ROIC | 11.1% |
ROA(3y)11.12%
ROA(5y)10.14%
ROE(3y)17.04%
ROE(5y)15.68%
ROIC(3y)12.44%
ROIC(5y)11.39%
1.3 Margins
With an excellent Profit Margin value of 55.02%, NMIH belongs to the best of the industry, outperforming 93.94% of the companies in the same industry.
In the last couple of years the Profit Margin of NMIH has grown nicely.
NMIH has a Operating Margin of 74.83%. This is amongst the best in the industry. NMIH outperforms 95.96% of its industry peers.
NMIH's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 74.83% | ||
| PM (TTM) | 55.02% | ||
| GM | N/A |
OM growth 3Y4.36%
OM growth 5Y4.16%
PM growth 3Y5.11%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), NMIH is creating some value.
Compared to 1 year ago, NMIH has less shares outstanding
The number of shares outstanding for NMIH has been increased compared to 5 years ago.
Compared to 1 year ago, NMIH has an improved debt to assets ratio.
2.2 Solvency
NMIH has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
The Debt to FCF ratio of NMIH (1.08) is better than 79.80% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that NMIH is not too dependend on debt financing.
NMIH has a better Debt to Equity ratio (0.17) than 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.08 | ||
| Altman-Z | N/A |
ROIC/WACC1.37
WACC8.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NMIH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.66%.
NMIH shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.51% yearly.
NMIH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.86%.
NMIH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.44% yearly.
EPS 1Y (TTM)7.66%
EPS 3Y18.13%
EPS 5Y11.51%
EPS Q2Q%5.22%
Revenue 1Y (TTM)8.86%
Revenue growth 3Y10.3%
Revenue growth 5Y11.44%
Sales Q2Q%5.57%
3.2 Future
NMIH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.35% yearly.
Based on estimates for the next years, NMIH will show a small growth in Revenue. The Revenue will grow by 3.81% on average per year.
EPS Next Y11.14%
EPS Next 2Y7.27%
EPS Next 3Y7.35%
EPS Next 5YN/A
Revenue Next Year3.17%
Revenue Next 2Y3.98%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.66, the valuation of NMIH can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of NMIH indicates a somewhat cheap valuation: NMIH is cheaper than 74.75% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.39, NMIH is valued rather cheaply.
A Price/Forward Earnings ratio of 7.99 indicates a rather cheap valuation of NMIH.
69.70% of the companies in the same industry are more expensive than NMIH, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.84. NMIH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 7.99 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NMIH is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, NMIH is valued cheaper than 82.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.22 | ||
| EV/EBITDA | 6.5 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of NMIH may justify a higher PE ratio.
PEG (NY)0.78
PEG (5Y)0.75
EPS Next 2Y7.27%
EPS Next 3Y7.35%
5. Dividend
5.1 Amount
NMIH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:NMIH (12/22/2025, 1:17:45 PM)
41.39
+0.32 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners99.29%
Inst Owner Change-0.44%
Ins Owners1.93%
Ins Owner Change-0.98%
Market Cap3.18B
Revenue(TTM)692.21M
Net Income(TTM)380.88M
Analysts80
Price Target45.32 (9.5%)
Short Float %2.01%
Short Ratio3.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.1%
Min EPS beat(2)-1.55%
Max EPS beat(2)-0.64%
EPS beat(4)1
Avg EPS beat(4)1.28%
Min EPS beat(4)-6.75%
Max EPS beat(4)14.08%
EPS beat(8)4
Avg EPS beat(8)3.43%
EPS beat(12)8
Avg EPS beat(12)3.96%
EPS beat(16)12
Avg EPS beat(16)4.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.34%
Min Revenue beat(2)-1.47%
Max Revenue beat(2)-1.21%
Revenue beat(4)0
Avg Revenue beat(4)-3.12%
Min Revenue beat(4)-6.39%
Max Revenue beat(4)-1.21%
Revenue beat(8)0
Avg Revenue beat(8)-3.06%
Revenue beat(12)1
Avg Revenue beat(12)-2.51%
Revenue beat(16)5
Avg Revenue beat(16)-0.5%
PT rev (1m)-0.32%
PT rev (3m)0.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)0.1%
EPS NY rev (3m)0.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 7.99 | ||
| P/S | 4.6 | ||
| P/FCF | 8.22 | ||
| P/OCF | 8.09 | ||
| P/B | 1.27 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 6.5 |
EPS(TTM)4.78
EY11.55%
EPS(NY)5.18
Fwd EY12.51%
FCF(TTM)5.03
FCFY12.16%
OCF(TTM)5.12
OCFY12.36%
SpS9
BVpS32.72
TBVpS32.67
PEG (NY)0.78
PEG (5Y)0.75
Graham Number59.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.22% | ||
| ROE | 15.14% | ||
| ROCE | 14.25% | ||
| ROIC | 11.1% | ||
| ROICexc | 11.51% | ||
| ROICexgc | 13.03% | ||
| OM | 74.83% | ||
| PM (TTM) | 55.02% | ||
| GM | N/A | ||
| FCFM | 55.89% |
ROA(3y)11.12%
ROA(5y)10.14%
ROE(3y)17.04%
ROE(5y)15.68%
ROIC(3y)12.44%
ROIC(5y)11.39%
ROICexc(3y)12.73%
ROICexc(5y)11.75%
ROICexgc(3y)14.21%
ROICexgc(5y)12.86%
ROCE(3y)15.97%
ROCE(5y)14.63%
ROICexgc growth 3Y5.83%
ROICexgc growth 5Y-1.43%
ROICexc growth 3Y3.34%
ROICexc growth 5Y-3.31%
OM growth 3Y4.36%
OM growth 5Y4.16%
PM growth 3Y5.11%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.08 | ||
| Debt/EBITDA | 0.79 | ||
| Cap/Depr | 56.63% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | 11.39 | ||
| Cash Conversion | 74.29% | ||
| Profit Quality | 101.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.1%
ROIC/WACC1.37
Cap/Depr(3y)76.04%
Cap/Depr(5y)92.06%
Cap/Sales(3y)1.57%
Cap/Sales(5y)2.01%
Profit Quality(3y)104.75%
Profit Quality(5y)118%
High Growth Momentum
Growth
EPS 1Y (TTM)7.66%
EPS 3Y18.13%
EPS 5Y11.51%
EPS Q2Q%5.22%
EPS Next Y11.14%
EPS Next 2Y7.27%
EPS Next 3Y7.35%
EPS Next 5YN/A
Revenue 1Y (TTM)8.86%
Revenue growth 3Y10.3%
Revenue growth 5Y11.44%
Sales Q2Q%5.57%
Revenue Next Year3.17%
Revenue Next 2Y3.98%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y4.52%
EBIT growth 3Y15.11%
EBIT growth 5Y16.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y15.93%
FCF growth 3Y7.25%
FCF growth 5Y14.3%
OCF growth 1Y14.22%
OCF growth 3Y6.52%
OCF growth 5Y13.58%
NMI HOLDINGS INC / NMIH FAQ
What is the fundamental rating for NMIH stock?
ChartMill assigns a fundamental rating of 5 / 10 to NMIH.
What is the valuation status for NMIH stock?
ChartMill assigns a valuation rating of 8 / 10 to NMI HOLDINGS INC (NMIH). This can be considered as Undervalued.
How profitable is NMI HOLDINGS INC (NMIH) stock?
NMI HOLDINGS INC (NMIH) has a profitability rating of 8 / 10.
What is the valuation of NMI HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for NMI HOLDINGS INC (NMIH) is 8.66 and the Price/Book (PB) ratio is 1.27.
What is the financial health of NMI HOLDINGS INC (NMIH) stock?
The financial health rating of NMI HOLDINGS INC (NMIH) is 4 / 10.